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For an initial build, we should reference both of these: 

Digital Credit App

Group-Based Financial Inclusion Methodologies

However, when the functional requirements conflict with rapid development with sufficient testing, then we should push functional requirements to the next release. 

Minimal Viable Product 

The initial release should consist of these microservices: 

• identity
• provisioner
• organization
• accounting
• customer
• notifications 
• fims-web-app
• supporting libraries

See  Fineract CN Project Structure for references to these microservices. 

The target is a minimal payment app backend system with minimal UI. 

There is a good discussion concerning a minimal viable product here – > https://lists.apache.org/thread.html/f658ccf0d9b0c350be901d58aad07c66fc40637f46d480b164793320@%3Cdev.fineract.apache.org%3E